rework this conclusion: "The stepwise refinement in the check$-$writer program context allows for a clear and logical progression from conceptual design to a fully functional application. For example, in a real$-$world banking system, the stepwise refinement approach might be used to develop the ATM withdrawal feature. Initially, the program could start by verifying the user$$s account balance before allowing a withdrawal. As the system evolves through further refinements, additional features such as handling incorrect PIN entries, ATM malfunctions, and multi$-$account options could be incorporated. Each refinement adds more functionality without overwhelming the development process, ensuring the system remains organized and easy to manage."